Cigna VHIS Series

From now to 30 June 2024, enjoy up to HK$1000 shopping voucher and 6-month premium refund for 2 successful enrollments.
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Limited time offer: Enjoy up to HK$1000 shopping voucher for 2 successful enrollments
Medical Coverage Score of 10 (out of 10) by 10Life1

VHIS gives you comprehensive medical protection! With coverage up to HK$30,000,000 per year, the best value for money VHIS that meets your needs.

Online Quote offer - From now to 30 June 2024, enjoy up to HK$1000 Shopping voucher (Details) and 6-month premium refund (Details) for 2 successful enrollment..

Your Wisest Choice of coverage

Need not worry about future medical expenses
The plan offers coverage of up to HK$30,000,000 for semi-private room, no lifetime limit, and medical expenses are fully covered
Covering various cancer treatments
All cancer treatment expenses are fully covered2,3, including various common non-surgical cancer treatments4
Covering unknown Pre-existing Conditions
Full cover from day 1 of the Policy Effective Period5
Extra free protection and services
Including cashless hospitalization, and fast and easy online claim application

Cigna VHIS Series – Flexi Plan (Superior) has achieved 5-Star Medical Insurance Award VHIS - Semi-Private and Ward and Top-Up Medical Insurance in 10Life 5-Star Insurance Award 20241. (As of 15 January 2024)

Key features of the new Cigna VHIS
Plan Type, Policy Term and Premium Structure of Basic Plan
Affordable VHIS
Simple VHIS
Predictable VHIS
The best value for money VHIS that meets your needs

Plan Type, Policy Term and Premium Structure of Basic Plan

  • This product is a standalone individual policy which aims to provide hospitalization benefits. It is an indemnity insurance policy without cash value.
  • 1 year and annually renewable
  • The plan provides a protection period of 1 year and guaranteed renewable up to Age 100 of Insured Person, with payment period until the end of protection period. Premium rate will increase with Age, and yearly adjustable.

Affordable VHIS

Extensive coverage at a daily premium as low as $9!

Not only our plan is tax deductible, its deductible options ranging from HK$0 to HK$75,000 enable your premium to deliver more bang for the buck!


Simple VHIS

The plan offers coverage of up to HK$30,000,000 with no lifetime limit, together with accommodation in a semi-private hospital room!

Medical expenses are fully covered, with no sub-limit for each benefit item.

No longer you’ll need to worry about future medical expenses as your policy is guaranteed for renewal up to age 100, giving you 100% lifetime assurance.


Predictable VHIS

To enjoy our speedy “Cashless Hospitalization” service, we recommend that you submit an application via MyCigna or call the Cigna Customer Service Hotline as soon as possible once you know your treatment date, so we have time to make the proper arrangements. Once the Customer Service Department has looked into your case, we will assign a dedicated Care Manager to help you follow up on hospital surgery or treatment arrangements until your recovery. At the same time, we will provide emotional support to you and your family, allowing you to recover with comfort and peace of mind. Simply check this procedure to arrange pre-approval and obtain a Guarantee of Payment Letter.


The best value for money VHIS that meets your needs

Looking to avoid a long wait for treatment, but feeling nervous that your insurance coverage might not be enough for private hospital care?

Your wellbeing deserves no compromise. Choose a VHIS plan that protects you for every cent you spent on your premium without blowing your budget.

VHIS Certified Plans
Flexi Plan (Superior): Semi-Private
Flexi Plan (Superior): WardNEW
Flexi Plan (SMM)
Standard Plan
Certification Number F00016-(01-04)-000-04
Ward Class Semi-Private or lower
A single or double occupancy room, with a shared bath or shower room in a Hospital
Standard Ward
A room in a Hospital with more than double occupancy
SMM benefit limited to Standard Ward, otherwise no restrictionNo restriction
Annual Benefit Limit $30,000,000$5,000,000$1,000,000$420,000
Lifetime Benefit Limit No Lifetime Benefit LimitNo Lifetime Benefit LimitNo Lifetime Benefit LimitNo Lifetime Benefit Limit
Hospitalization benefits No dollar limitNo dollar limitEnhanced coverStandard VHIS cover
Surgical benefits No dollar limitNo dollar limitEnhanced coverStandard VHIS cover
Prescribed Diagnostic Imaging Tests No dollar limitNo dollar limitEnhanced coverStandard VHIS cover
Prescribed Non-surgical Cancer Treatments No dollar limitNo dollar limitEnhanced coverStandard VHIS cover
Psychiatric treatments No dollar limitNo dollar limitEnhanced coverStandard VHIS cover
Companion Bed No dollar limitNo dollar limit$450 per day
Maximum 270 days per Policy Year
Accidental Emergency outpatient treatment No dollar limit
(Within 24 hours after the Accident)
No dollar limit
(Within 24 hours after the Accident)
$6,600 per Policy Year
(Within 24 hours after the Accident)
Accidental Emergency dental treatment No dollar limit
(Within 2 weeks after the Accident)
No dollar limit
(Within 2 weeks after the Accident)
$6,600 per Policy Year
(Within 2 weeks after the Accident)
Enhanced Benefit: Outpatient kidney dialysis
No dollar limit
No dollar limit
$30,000 per Policy Year
Enhanced Benefit: Home nursing for Confinement
$1000 per day
Maximum 90 days per Policy Year
$800 per day
Maximum 90 days per Policy Year
$700 per day
Maximum 15 days per Policy Year
Annual Deductible options
$0 | $15,000 | $25,000 | $50,000| $75,000
$0 | $15,000 | $25,000
Entry Age 15 days to Age 8015 days to Age 8015 days to Age 8015 days to Age 80
Premium payment frequency Annual / MonthlyAnnual / MonthlyAnnual / MonthlyAnnual / Monthly
Policy currency HKDHKDHKDHKD
This table represents a summary of the product features; please refer to the brochure and policy documents for the full Terms and Benefits.Get a Quote Get a Quote Get a Quote Get a Quote
Cigna policyholders can submit claim details on the MyCigna app.
Upload photos of any supporting documents.
After the claim has been processed, we will reimburse you directly to your bank account.

Premiums you pay for VHIS Certified Plans covering you and your dependants are eligible for tax deduction, based on the Government’s recent update to the Inland Revenue Ordinance. The maximum tax deduction is HK$8,000 per insured person per year, with no cap on the number of policies or dependants you claim a deduction for.


We will start paying for the covered medical expenses once the deductible amount has been reached. The deductible will be covered either by you or your other insurance plan(s).

Standard Plan
Flexi Plan (SMM)
Flexi Plan (Superior)
Vanessa 25
Cigna VHIS Series
Standard Plan
Recently graduated, Vanessa is excited to be taking up her first proper job. While it’s not a high starting salary, she’s pleased to learn that the job comes with outpatient medical insurance. But recently Vanessa’s best friend had to go into hospital for a small surgery that cost her a lot of money, and Vanessa is concerned that her employer’s medical insurance doesn’t cover scenarios like this. Despite her tight budget, Vanessa feels she would like to supplement her employer’s package with a hospital insurance plan.
How the Standard Plan fits her needs:
  • basic hospital cover with government endorsement, clear pre-defined terms and conditions
  • tax deduction on premium paid
  • affordable prices
  • no exclusions added even if her health circumstances change over time
Diagnosed a year later with a cataract in her left eye, Vanessa has to undergo surgery in day care center.
Benefit itemHK$
Surgeon's fee12,000
Operating theatre charges3,000
Anaesthetist’s fee3,000
Total covered18,000
  1. No shortfall remains and Vanessa can rest assured with easy recovery without financial strain.
Issac 30
Cigna VHIS Series
Flexi Plan (SMM)
Issac got married when he was 30. For him, it was essential that such an important step in life has to be backed by solid and reliable protection against risks in the future. He’s aware of the many benefits of the Cigna VHIS Series, and strongly felt that he and his wife deserve above average medical protection so that they could be hassle-free while working hard to build an ideal future together.
Issac suffered a mild heart attack at the age of 31. His attending doctor said that he had to undergo an angioplasty, a procedure which hospital, surgical and post-surgical care costs could be covered by the Flexi Plan (SMM).
Benefit item (HK$)Sub totalIn excess of item limit
Room and board2,250-
Miscellaneous charges+14,00050,000
Surgeon's fee+35,00070,000
Operating theatre charges+8,750-
Pre- and post-Confinement / Day Case Procedure outpatient care+1,500-
Supplementary Major Medical Benefit $ (50,000+70,000) x 90%108,000N/A
Total claim payable=169,500N/A
Coinsurance borne by Issac out-of-pocket $(50,000+$70,000) x 10%-12,000N/A
Total premium paid for both policies $(4,655+4,655)-9,310*N/A
First year Premium Discount
Spouse Discount: each 10% off
Online Discount: each 15% off
$4,655 x 2 x 25%
Tax benefit for both policies HK$(9,310 – 2,328) x 15%
(Based on a 15% Standard Rate)
Net benefit151,565 

*Premium level is subject to change from time to time due to medical inflation.

Helena 40
Cigna VHIS Series
Flexi Plan (Superior)
Helena works for a major banking group and benefits from the bank’s group cover insurance. She had assumed that the group cover was all anyone might need. Then, her colleague fell sick on a trip to Korea. Her short hospital stay in Seoul came with a big bill and only half of the medical expenses are reimbursed by the bank’s group insurance. Since Helena is a keen traveller who loves taking short breaks around Asia, she signed up for the Flexi Plan (Superior) for both herself and her 10-year-old son.

Deductible HK$25,000 for her own policy | HK$0 for her son’s policy.
Two years later, when driving with her family in Okinawa, Japan, Helena’s rental car skidded on some gravel and plunged down a bank. Helena suffered significant injuries that required a week’s stay in an Okinawa hospital.
Hospitalization expenses incurred in Japan208,000
Deductible – covered by group plan-25,000
Total claim payable (no itemised dollar limit)=183,000
Total premium paid for both policies
$(6,676+6,940+7,243)+ $(8,438+8,205+7,971)
First year Premium Discount
Children Discount: Children 10% off
$8,438 x 10%
Tax benefit for both policies
$(45,473 – 843) x 15%
(Based on a 15% Standard Rate)
Net benefit=145,064

*Premium level is subject to change from time to time due to medical inflation.

What makes Certified Plans different from existing products in the market?
There are a few features that make Certified Plans of VHIS Standard Plan and the basic coverage of Flexi Plans different from existing market offerings, including:
  • Standard policy terms and conditions, benefit coverage and amount
  • No lifetime benefit limit
  • Premium transparency
  • Guaranteed renewal up to age 100
  • Cover for unknown pre-existing conditions, congenital conditions, non-surgical cancer treatment, day-case procedures and advanced diagnostic imaging tests etc.
Do all Certified Plans offered by different insurers share the same features?

All Standard Plans offered by different insurers share the same core features with standard benefit amounts on the basic coverage.

Meanwhile, the coverage and benefit amounts of Flexi Plans are up to insurers' discretion, although they must be at least as comprehensive as what the Standard Plan offers.

Are Certified Plans only available to Hong Kong residents?
No, there is no special residency restriction under VHIS. However, the tax benefit for VHIS policy holders (and their spouses) is only applicable to Hong Kong taxpayers.
Can I claim for medical expenses incurred outside Hong Kong?

Yes, you can. All Standard Plan coverage (except on psychiatric treatment) is worldwide. Flexi Plans must offer at least Standard Plan level coverage on a worldwide basis, while there can be restrictions on the enhanced coverage by region (e.g. Asia only). In other words, no matter if it is a Standard Plan or Flexi Plan you are holding, you can rest assured that any medical expenses incurred outside Hong Kong will be covered at least to the level of the Standard Plan.

Note that the Supplementary major medical benefit of Flexi Plan (SMM) is restricted to Hong Kong, while the "Full compensation" benefits of Flexi Plan (Superior) are restricted to Asia (including Australia and New Zealand). Refer to the brochure for more detailed explanation.

Do Certified Plans cover my pre-existing health conditions?
Certified Plans cover your unknown pre-existing conditions. Other than Cigna VHIS Series- Standard Plan, Cigna VHIS Series- Flexi Plan (SMM) and Flexi Plan (Superior) full cover unknown Pre-existing Conditions since day 1 of the Policy Effective period.
What if my pre-existing health conditions is congenital?
Certified Plans cover your congenital conditions which have manifested or been diagnosed after the age of 8. Other than Cigna VHIS Series- Standard Plan, Cigna VHIS Series- Flexi Plan (SMM) and Flexi Plan (Superior) full cover unknown Pre-existing Conditions since day 1 of the Policy Effective period.
Do Certified Plans cover Critical Illnesses?
VHIS is a scheme for individual hospitalization insurance products, which reimburse medical expenses incurred on inpatient and outpatient basis. Therefore extra cover on Critical Illness is not guaranteed, depending on Flexi Plans offered by insurers.
How many VHIS plan can I hold?
There is no special limit on the number of policies one can hold under VHIS. However, this is subject to the underwriting rules of each insurance company.
Where can I get more information about VHIS in Hong Kong?
The Food and Health Bureau's VHIS Office maintains a website regarding VHIS, available here. Insurance companies' general conduct is governed by the Insurance Authority, while the Inland Revenue Department is responsible for any claims for tax deduction in connection with VHIS. Details of Cigna's arrangement with regard to the Insurance Authority's levy are available here.
Cigna's Certified Plans
Through what channel can I enroll into a VHIS plan?
For Cigna's Certified Plans, you can make purchase:
on our website
with your Independent Financial Advisor
or through our dedicated hotline at (852) 8100 2261
Can I buy VHIS for my family members?
Yes. You can buy online for yourself, your spouse and your children. For other family members (e.g. parents or siblings), please call our hotline (852) 8100 2261 to discuss your options.
Can I apply two VHIS plans for myself? E.g 1 standard plan and 1 Flexi plan
We want to make sure you choose the right Certified Plan, so we don't allow you to buy two similar plans both covering yourself. However, if you already have medical reimbursement cover (whether VHIS or non-VHIS) from another company, you can still apply for one of our Certified Plans.
I have an existing Cigna policy. Can I convert between Cigna's Certified Plans and other Cigna policies?

Yes, you can.

Policy migrations to Cigna's Certified Plans from any other Cigna products, or vice versa, are all regarded as applications for a new policy. That means that underwriting is required, and the coverage and premiums may be affected by any health conditions that may have developed since you started your original cover.

For policy migration among Certified Plans, re-underwriting is waived for benefit downgrade (e.g. from Flexi Plan to Standard Plan or increasing deductible option). In other cases, i.e. where you are applying to increase your coverage, re-underwriting is required.

If you are an existing Cigna policy holder and wish to consider your options with VHIS, please call our hotline on (852) 8100 2261.

Where can I find my policy documents after purchase?
Your policy documents will be available on MyCigna App and MyCigna Portal in 2 working days after your application is approved. Once your policy starts, you will receive a welcome email from us containing the instruction to activate your MyCigna account. If you request for printed copies, your policy documents will be issued and mailed to your registered address in 2 working days.
When will the coverage start upon my enrollment of the plan?
Coverage of your plan starts right after we complete our underwriting assessment of your application, provided the initial premium is paid. If you apply online, we will let you know whether your application is successful immediately or whether it requires additional assessment.
Can I split policy ownership with another person?
No—Cigna's underwriting practice allows one policy holder per policy.
Can I transfer ownership to another person after the policy has already started?
Yes—we allow transfer of policy ownership at policy renewal only. Normally, the owner of a policy must be the insured person or an immediate relative (e.g. the spouse, parent or adult child of the insured person). In general, if the insured person would be your dependent for tax purposes then we will allow you to own the policy.
Can I have a look at the policy terms of Cigna’s Certified Plans?

Sure. Please click the links below or visit VHIS Office website to learn more.

CIGNA Worldwide General Insurance Company Limited (VHIS Provider Registration No. 00031)

Cigna VHIS Series – Standard Plan | S00031-01-000-02

Cigna VHIS Series – Flexi Plan (SMM) | F00012-01-000-03

Cigna VHIS Series – Flexi Plan (Superior) – Ward Level

Cigna VHIS Series – Flexi Plan (Superior) – Semi-Private Level

For Policies which successfully transferred from the designated Certified Plans of Chubb Life Insurance Hong Kong Limited (VHIS Provider Registration No. 00044) to the above Certified Plans on 1 January 2023, a policy endorsement that outlines the special terms and conditions relevant to the policy transfer shall be attached to and form part of the Policy. Please contact our hotline (852) 8100 1718 for details.

Online Application
Can I select any settlement currency other than HKD?
For VHIS policies, we only accept premiums in HKD.
What do I need to be able to buy online now?
Before you start your online purchase, please make sure you have below information ready:
Your HKID no.
The ID (HKID or otherwise) of any family members you wish to cover Your basic contact information
The height, weight, and medical history details of you or any family members you wish to cover Your credit card information
How can I pay?
You can pay online with your credit card. We accept VISA and Mastercard. If you wish to pay using a different method, please call our hotline on (852) 8100 2261
How do I know my online application is completed successfully?
You will receive a confirmation email once your application is completed. An enrollment summary will also be available in that email.
Tax deduction
How does the tax deduction work?
The tax deduction is an additional incentive for HK citizens to purchase Certified Plans under VHIS. When you file your tax return, any premiums you or your spouse have paid towards VHIS Certified Plans can be deducted from your total taxable income (subject to a deduction ceiling of HK$8,000 per insured person per year).
If I have more than one VHIS policy, can I deduct all the premiums?
There is no cap on the number of VHIS policies you can claim tax deduction for, however the total annual deductible amount is HK$8,000 per insured person. This means if you have VHIS policies covering different dependants, you have a separate HK$8,000 quota per dependant, with no cap on the number of dependants insured.
When can I start including my premiums in my tax return?

Premiums paid into VHIS plans from 1 April 2019 will count towards tax deduction, so the first tax year affected will be the one ending 31 March 2020.

Soon after the end of each tax year following VHIS launch, we will provide you with a record of all eligible premiums paid (along with any premium refunds made) during that tax year. You can use this as reference when filing your tax return. Note that you can only claim tax deduction on VHIS premiums paid during the applicable tax year.

Family Discount
  • Spouse discount* : An extra 10% discount on both you and your spouse’s policies for the first year
  • Children’s discount* : An extra 10% discount on your children’s policies for the first year

* Discounts on Flexi Plan (Superior) is only applicable to the plans with deductible of HK$15,000, HK$25,000, HK$50,000 or HK$75,000.

  1. 10Life is a digital platform that provides professional and unbiased insurance information for consumers. Using factors that matter the most to the consumers, 10Life produces objective high-end medical insurance scores and rankings based on medical coverage and auxiliary benefits. Only medical insurance plans that have 10Life Overall Medical Score (includes Medical Coverage Score and Auxiliary Benefits Score) higher than 9, which also means both medical coverage and auxiliary benefits are higher than market average can be recognized with a 5-star rating. 10Life actuaries refer to the benefit limits on each expense category to calculate the estimated coverage amount (to be paid by the insurer) and out of pocket expenses (to be paid by the policyholder). The 10Life Medical Coverage Score (out of 10) is calculated according to the Estimated Average Coverage Ratio, so higher the score means higher the medical coverage for the insurance plan. For more, please refer to 10Life ratings.
  2. Applicable to Cigna VHIS Series- Flexi (Superior) only.
  3. Subject to the Annual Benefit Limit.
  4. Covers a number of non-surgical cancer treatments including chemotherapy, radiotherapy, targeted therapy, immunotherapy and hormonal therapy etc. Proton therapy, gamma knife and cyber knife are radiation treatments that are also covered as radiotherapy.
  5. Refer to Important Information for details of Pre-existing Conditions.

With effect from 1 April 2023, the definition of "Hospital" in Part 8 "Definition" of your VHIS policy terms and conditions shall be refined to make clear that it shall include public hospitals as defined in the Hospital Authority Ordinance (Cap. 113 of the Laws of Hong Kong) and hospitals for which a licence is issued under the Private Healthcare Facilities Ordinance (Cap. 633 of the Laws of Hong Kong), subject to other conditions of (b), (c) and (d) in the definition. The relevant Supplement will be sent to all policy holders concerned on or before the respective policy renewals from 1 April 2023.

For any queries, please contact us through our dedicated hotline at (852) 8100 1718

Terms and Conditions
The product information included in the website does not contain the full terms of the Policy and the full terms can be found in the Policy document.
Cooling-off right and Policy Cancellation

You may cancel your policy and obtain a refund of any premium(s) and levy paid by you within the cooling-off period. The cooling-off period is the period of 30 calendar days immediately following either the day of delivery of the policy or the cooling-off notice to you or your nominated representative (whichever is the earlier). The cooling-off notice is a notice that will be sent to you or your nominated representative by Cigna Worldwide General Insurance Company Limited to notify you of the cooling-off period around the time the policy is delivered. To exercise this right, a written notice of cancellation must be signed by you and received directly by Cigna Worldwide General Insurance Company Limited at 16/F, 348 Kwun Tong Road, Kwun Tong, Kowloon, Hong Kong within the cooling-off period. No refund can be made if a claim has been made.

After the cooling-off period, the Policy Holder can request cancellation of the policy by giving thirty (30) days prior written notice to the Company, provided that there has been no benefit payment under the policy during the relevant Policy Year.

Claims Procedure

To make a claim, please login to our customer portal or register at or download our MyCigna app. For details of procedures by claims type, please visit the Company website

Reasonable and Customary

Reasonable and Customary shall mean, in relation to a charge for Medical Service, such level which does not exceed the general range of charges being charged by the relevant service providers in the locality where the charge is incurred for similar treatment, services or supplies to individuals with similar conditions, e.g. of the same sex and similar Age, for a similar Disability, as reasonably determined by the Company in utmost good faith. The Reasonable and Customary charges shall not in any event exceed the actual charges incurred.

In determining whether a charge is Reasonable and Customary, the Company shall make reference to the followings (if applicable)-
(a) treatment or service fee statistics and surveys in the insurance or medical industry;
(b) internal or industry claim statistics;
(c) gazette published by the Government; and/or
(d) other pertinent source of reference in the locality where the treatments, services or supplies are provided.
Medically Necessary
Medically Necessary shall mean the need to have medical service for the purpose of investigating or treating the relevant Disability in accordance with the generally accepted standards of medical practice and such medical service must –
(a) require the expertise of, or be referred by, a Registered Medical Practitioner;
(b) be consistent with the diagnosis and necessary for the investigation and treatment of the Disability;
(c) be rendered in accordance with standards of good and prudent medical practice, and not be rendered primarily for the convenience or the comfort of the Insured Person, his family, caretaker or the attending Registered Medical Practitioner;
(d) be rendered in the setting that is most appropriate in the circumstances and in accordance with the generally accepted standards of medical practice for the medical services; and
(e) be furnished at the most appropriate level which, in the prudent professional judgment of the attending Registered Medical Practitioner, can be safely and effectively provided to the Insured Person.
Pre-existing Conditions
Pre-existing Condition means any Sickness, Disease, Injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the Policy Issuance Date or the Policy Effective Date, whichever is the earlier. You are considered to be aware of a Pre-existing Condition where –
(a) it has been diagnosed;
(b) it has manifested clear and distinct signs or symptoms; or
(c) medical advice or treatment has been sought, recommended or received.

If you are requested but fail to disclose to us upon submission of the insurance application, including any updates of and changes to the required information, that the Insured Person is suffering from a Pre-existing Condition of which the Policy Holder or the Insured Person is aware or should have reasonably been aware of at the time of submission of Application, the Company has the right to declare the relevant insurance policy void, demand repayment of any benefits paid and/or refuse to provide coverage under its terms and benefits. In such event, the Company shall refund the premium.

  1. Premium Level

    The premium corresponding to the plan you select is determined based on the Age and smoking habit of the Insured Person at the Policy Effective Date.

  2. Non-payment of Premium

    If you fail to pay the initial premium, your Policy will not take effect from the commencement date of your Policy. Except for the initial premium payment, there will be a grace period of 30 days after any premium due date. Your Policy will remain effective during this grace period. If any premium is not paid at the end of the grace period, your Policy will lapse on the premium due date and you will lose the insurance cover.

    We will not make any claim payment or any other payment payable under the Policy, until we receive payment of all outstanding premium up to the date of the claim payment or when the Policy terminates.

  3. Mis-statement of Age or Smoking Habit

    If Age or smoking habit is mis-stated by you or any Insured Person (and the relevant Insured Person would still be eligible for coverage), we have the right to adjust the premiums payable based on the correct information.

  4. Premium adjustment

    The Company reserves the right to revise the Standard Premium of the Policy on the anniversary date or upon renewal. Factors leading to premium adjustment may include but are not limited to our overall experience in claims and expenses incurred by and/or in relation to this product.

Duplicated policy

Each person can only be covered under one single “Cigna VHIS Series” policy. The series includes “Cigna VHIS Series – Standard Plan”, “Cigna VHIS Series – Flexi Plan(SMM)”, “Cigna VHIS Series – Flexi Plan (Superior)” and any other insurance policies that fall under the “Cigna VHIS Series” as defined and issued by the Company from time to time.

Existing holders of “Cigna HealthFirst Medical Plan Series” policies should contact the Company to discuss their options with regard to policy migration.

Conversion of policy

If you have an existing medical insurance policy and intend to switch the coverage to this plan, please be aware of the potential implications in terms of insurability, claims eligibility and financial values regarding the change to the insurance arrangement.

Some benefits under the existing policy may be changed or not be covered under this plan due to changes in policy features, Age, health conditions, occupation, lifestyle, habit or recreational activities. Also, riders or supplementary benefits under your existing insurance policy may not be available under this plan.

Benefits under the existing insurance policy will no longer be payable to you if you surrender the policy or allow it to lapse. Besides, you may need to start a new waiting period (if any) in respect of certain benefits under the terms and conditions of the new policy.


This Policy shall be effective for an initial period of twelve (12) months and is thereafter guaranteed to be automatically renewable for successive periods of twelve (12) months up to the Age of one hundred (100) years of the Insured Person. The Company shall have the right to revise the Terms and Benefits of the Policy and/or the Premium upon each renewal.

  1. The Policy will be automatically terminated when one of the following happens:
    – The Insured Person passes away;
    – Any premium is not paid at the end of the grace period;
    – The Policy is terminated or not renewed by the Policy Holder; or
    – The Company has ceased to have the requisite authorisation under the Insurance Ordinance to write or continue to write this Policy.
  2. If there is any fraud, mis-statement or concealment in the application or declaration, or if you or your beneficiary makes a dishonest claim, we have the right to cancel the policy immediately. In such case, all the premium paid will not be returned and you shall immediately return all payment including claims paid by us under the Policy.
Inflation risk

Your current planned benefit may not be sufficient to meet your future needs since the future cost of living may become higher than they are today due to inflation. Where the actual rate of inflation is higher than expected, you may receive less in real terms even if we meet all of our contractual obligations.


The following list is for reference only and it is not a full list of exclusions. Please refer to the Terms and Conditions for the complete list and details of exclusions.

Cigna Healthcare shall not pay any benefits in relation to or arising from the following:

  1. Medical Services that are not Medically Necessary.
  2. Confinement solely for the purpose of diagnostic procedures or allied health services, including but not limited to physiotherapy, occupational therapy and speech therapy.
  3. Human Immunodeficiency Virus (“HIV”) and its related Disability.
  4. Dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents, self-inflicted injuries or attempted suicide, illegal activity, or venereal and sexually transmitted disease or its sequelae.
  5. Services for beautification or cosmetic purposes, or correcting visual acuity or refractive errors that can be corrected by fitting of spectacles or contact lens.
  6. Prophylactic treatment or preventive care, including but not limited to general check-ups, routine tests, screening procedures for asymptomatic conditions, immunisation or health supplements.
  7. Dental treatment and oral and maxillofacial procedures performed by a dentist except for Emergency Treatment and surgery during Confinement arising from an Accident or to the extent covered by the Accidental Emergency dental treatment benefit. Follow up dental treatment or oral surgery after discharge from Hospital shall not be covered.
  8. Maternity conditions and its complications.
  9. Purchase of durable medical equipment or appliances.
  10. Traditional Chinese Medicine treatment.
  11. Experimental or unproven medical technology or procedure in accordance with the common standard, or not approved by the recognised authority, in the locality where the treatment, procedure, test or service is received.
  12. Congenital Condition(s) which have manifested or been diagnosed before the Insured Person attained the Age of eight (8) years.
  13. Eligible Expenses which have been reimbursed under any law, or other medical program or insurance policy.
  14. War, civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, or military or usurped power.

“Cigna Healthcare”, “the Company”, “We”, “our” or “us” herein refers to Cigna Worldwide General Insurance Company Limited.